Farm Combined

An inclusive single policy covering all aspects of agricultural
insurance. With many areas of insurance to consider on a farm
cover is available for all farm property, livestock and protecting
the Farmer against legal liabilities in many areas. Cover can
be tailormade to suit the requirements of the individual farm,
maintaining one policy, one renewal date and one premium
collection. Your farm is your livelihood, protecting it is a
priority.

Farm Property

A wide range of covers are available for all types of farm
property including buildings, fixed machinery, stock and tools
following damage by insured perils. Storm, escape of water
and theft covers are available depending on your requirements.

Business Interruption

Often misunderstood, this complex area of insurance can be a
real "business saver". Business Interruption cover is designed to
replace lost revenue following an insured loss.
For example, a fire in a grain store immediately after harvest or
even substantial damage to a milking parlour which renders the
machinery unusable. A complex subject but a business
essential.

Livestock

Cover can be arranged for all livestock belonging to, or
in the farmer's custody or control for loss from insured
perils. Extensions for theft, straying, transit, worrying and
certain diseases are also available. Mortality &
fertility cover is available for breeding livestock where
appropriate, subject to additional information being provided.

Farm Liabilities

Public liability is a core cover provided by our policy to
protect you as the landowner or occupier against actions taken
against you where members of the public may have suffered a loss or
injury as a result of your negligence. Employers'
liability is a statutory cover for anyone employing individuals on
any basis - full, part time or voluntary. This will protect
you as an employer against actions taken against you where
employees may suffer a loss or injury as a result of your
negligence.

Farm Money & Assault

Insurance is available for loss of Business Money including
Damage to safes, damage to clothing & personal effects
following theft or attempted theft. Cover also includes
generous limits to cover the cost of obtaining duplicate cattle
passports. In the event of an injury by violence benefits are
payable for specific injuries sustained and associated medical
expenses.

Personal Accident & Sickness

You can choose to insure individuals within the business to
provide a benefit payable in the event of accident or
sickness. Varying scales of cover are available and can also
be provided for a specified person or blanket basis for all
staff. Pre-existing medical conditions will be excluded.

Farm Property in Transit

This section covers farm equipment, stock and produce whilst
being loaded & in transit by road, rail or inland air
freight. Cover automatically extends to include damage to
packing materials, personal effects of driver/attendant and
additional costs necessarily incurred in continuing the
transportation.

All Risks

Farm covers are generally offered on a "specified peril" basis
but this section allows you to insure specific items or equipment
on an "all risks" basis - that is providing cover any accidental
damage and also providing cover away from the main farm
premises. Cover is available for loss or damage to items
insured anywhere in the UK, Europe or even Worldwide if
appropriate.

Deterioration of Frozen Food and/or Refrigerated Food

Machinery Breakdown and Statutory Inspection

This section provides breakdown, collapse and explosion cover to
items of machinery & plant at the Farm. Inspection
services to satisfy statutory requirements can also be arranged on
specific items of plant.

Commercial Legal Protection

This section provides peace of mind cover to the Farmer against
the potential costs of legal action brought against him by another
individual or Company. Legal expenses insurance coverage for
the legal fees charged (including expenses incurred) by the law
firm representing the Farmer in usually unforeseen legal matters.
These can include employment disputes, contract & tenancy
disputes, legal defence, property protection and Tax
Protection.

Uncollected milk

Cover is available for Loss of milk from causes beyond your
control including weather events resulting from the Dairy or its
authorised agent being unable to collect milk from your premises
which would otherwise have been collected under your contract of
sale of milk to the Dairy. Benefits available
per cow, per day with no upper limits.

Farm Home Buildings and Contents

As well as providing cover for the commercial aspects of your
farm we can also include cover for your domestic dwellings and
contents, all under the same policy, with the same renewal date.
Extensions are also available for items away from the home,
valuablesand personal money. Personal liabilities are covered
up to £5M. Holiday let properties can also be catered for
under the diversification section of the policy.

Environmental Impairment Liability

Keeping abreast of legislative changes can be challenging and after a thorough review and consultation with our Members, we are pleased to announce the availability of an enhancement extension to all FarmWeb policies to deal with Environmental Impairment Liability.

The background

Changes to legislation which came into force in England on 1st March 2009 mean that a standard Public Liability policy could leave farmers financially exposed. The Regulations were introduced to ensure the UK complies with the European directive and is designed to ensure the 'polluter pays'.

Farmers need to understand the changes and insurance implications of the Environmental Damage (Prevention and Remediation) Regulations 2009 and where the inherent risks lie. Our current policy wording already provides

public liability cover as standard

including claims arising from sudden and accidental pollution incidents

Statutory clean-up costs of up to £1M

Extension to cover the clear up costs of polluting or contaminating substances on own property and land

However, most policies will not normally include the wider aspects of environmental clean-up and also meet the new Directive of providing additional compensatory or complimentary remediation. Whilst there is currently no compulsory insurance requirement under the Regulations, it is recommended that policies are reviewed to establish the extent of cover provided.

Cover enhancement

To increase the protection for our new and existing customers, we extended our Policy cover to reflect the up to date Directive requirements, providing Environmental liability coverage under Section 17

gradual pollution and contamination incidents,

costs & expenses you are ordered to pay

environmental statutory clean-up

remediation costs of up to £1 million in any one period of insurance.

an added optional enhancement to increase the limit of indemnity £2 million, with effect from 2nd February 2015

The Regulations say that any person or company who controls an activity or is in charge of it should prevent, limit or remediate serious environmental damage. This includes protecting nature, natural habitats, sites of special scientific interest, surface or ground water and land.

Our policy wording includes an environmental Retroactive Date providing a continuation of cover which provides continual cover from the date the cover was first purchased by the Insured, albeit from an alternative provider, ensuring no break in cover.

What happens next?

Environmental Liability cover was applicable for New Business from the 11th March 2013 and Existing Policies renewing from 1st May 2013 onward and existing FarmWeb policyholders' cover were automatically extended to provide this cover when the policy reached it's natural renewal date.

The cover enhancement for a £2M Limit Of Indemnity is optional and is available upon request from 2nd February 2015.

FarmWeb is the specialist agricultural division of U K Insurance Limited trading as NIG. NIG Policies are underwritten by U K Insurance , The Wharf, Neville Street, Leeds, L S1 4AZ. Registered in England No. 1179980. U K Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Registration number 202810. The Financial Services Register can be accessed through www.fca.org.uk
FarmWeb works exclusively with brokers who have specialist knowledge and expertise of the agricultural market. All such intermediaries are independent brokers directly authorised and regulated in their own right by the Financial Conduct Authority (FCA)